Define the boundary
Select one process, map systems and roles, and agree what is in and out of scope.
RETIREMENT TECHNOLOGY FOR INDEPENDENT TPAs
Bring retirement workflows into one clearer picture.
Explore a connected approach to 401(k) administration and recordkeeping—designed around the daily work of independent TPAs, from contribution intake and exception review to reconciliation and reporting.
✓ Built around TPA operating needs✓ Customer-hosted is a design priority✓ Human-reviewed AI assistance
Operations overview from the KinetiPlan pilot build · synthetic demo data
Connected workflowsBring administration and recordkeeping closer together
Operational visibilityMake exceptions and next actions easier to see
Customer controlPlan hosting, access, and operating responsibilities up front
SEE IT WORKING
The pilot build is already running.
KinetiPlan’s pilot build runs core TPA work in one place today: plans and sponsors, participant census, annual administration projects, nondiscrimination testing, the compliance calendar, the recordkeeping ledger, payroll intake and billing. These screens come from the pilot demo environment, which uses synthetic data only.
ONE OPERATING PICTURE
From plan setup to reconciliation.
Instead of treating each task as a separate island, KinetiPlan’s product direction connects core TPA work across plan data, participant records, contributions, compliance, billing, and stakeholder portals.
Plan administration
Plan setup, participant events, eligibility and recurring administrative workflows.
Explore administration →Recordkeeping & ledger
Participant accounts, transaction history, balances, and reconciliation workflows.
Explore recordkeeping →Contributions & payroll
Intake, validation, exception resolution, allocation, and posting workflow concepts.
Explore contributions →ADP/ACP testing, 402(g) and Form 5500 deadlines
Run ADP/ACP, 402(g) and 415(c) checks, and track Form 5500 / 8955-SSA and corrective-distribution deadlines for every plan.
See regulatory tasks →Billing & proposals
Connect service information with fee preparation and proposal workflows.
Explore billing →Employer & participant experiences
Make key information and actions more accessible to the people you serve.
Explore portals →FROM INTAKE TO EVIDENCE
One connected operating journey.
A practical view of how contribution work could move through a controlled process. Each step has a clear purpose, owner, and review point. This is an illustrative workflow—not a claim of production readiness.
01Receive
Bring in payroll and contribution data from an agreed source.
02Validate
Check required fields, plan rules, and expected totals.
03Resolve
Route exceptions to authorized staff with context. See it working →
04Post
Apply approved transactions under controlled permissions.
05Reconcile
Compare source and posted totals and retain evidence.
STEP 03 · RESOLVE
When payroll data goes wrong, it lands in a queue, not a spreadsheet.
Every exception is caught before posting, routed to the team that owns it and closed with a recorded decision. Pick an exception, choose a fix and watch the audit trail build.
Exception queue3 open
Design preview with synthetic data. The step-by-step audit trail and second-reviewer approval shown here are proposed features, not yet in the pilot build. Nothing posts from this page.
✳
PRACTICAL AI. ACCOUNTABLE OPERATIONS.
Help people work smarter.
Keep control explicit.
AI can be useful for summarizing exceptions, finding workflow context, drafting routine communications, or making documentation easier to navigate. Calculations, approvals, money movement, and consequential updates require deterministic rules and appropriate human authorization.
Read our AI principles →✓ Human review for consequential actions
✓ Defined permissions and approval boundaries
✓ Traceable data and workflow history
✓ No AI claims beyond validated capabilities
A REALISTIC PATH TO ADOPTION
Start where the value is clearest.
TPAs should not need to commit to a full platform replacement before the fit is understood. The intended product direction supports discovery around a focused workflow, integration boundaries, and a phased migration plan.
01
Administration-first
Explore selected administration workflows while retaining an existing recordkeeper, subject to technical feasibility.
Narrow pilot scope02
Integrated platform
Evaluate a longer-term move toward connected administration and recordkeeping, with parallel validation gates.
Phased adoption03
Customer-hosted model
Define infrastructure, access, backups, updates, support access, and responsibilities before production deployment.
Shared responsibilityA FOCUSED WAY TO EXPLORE FIT
A pilot plan built around evidence, not promises.
Start with one workflow and agree what needs to be proven before expanding scope. The proposed evaluation is designed to make assumptions, dependencies, and acceptance criteria visible from the beginning.
Explore the pilot approach →Pilot scope and availability are subject to discovery, technical feasibility, and mutual agreement.
Test with safe data
Use approved sample or de-identified data with documented scenarios and review steps.
Decide with evidence
Review results, exceptions, control gaps, and the conditions for any next phase.
BUILT FOR A SERIOUS CONVERSATION
Show us the operational bottleneck.
We want early conversations to be concrete: which workflow is painful, what systems it touches, what a successful pilot would prove, and which controls are non-negotiable.
- Choose one workflow and define its boundaries.
- Map data sources, outputs, roles, and exceptions.
- Agree on acceptance tests and reconciliation criteria.
- Decide what must be proven before any live data is used.
KP
Pilot planning snapshotIllustrative example · not a live product screen
DISCOVERY01
Choose one workflowContribution intake, validation, or reconciliation
✓02
Agree success measuresAccuracy, exception handling, traceability
✓03
Validate with test dataDocument outcomes before any live use
NEXTHuman reviewDefined acceptance criteriaControlled scope
REFERENCE
Reference material TPAs bookmark.
2026 limits and deadlines
Every 2026 limit a TPA uses in testing and processing, plus the dated deadlines for a calendar-year 401(k) plan, each linked to its IRS or DOL source.
Open →401(k) compliance glossary
32 plain-English definitions of the testing, filing and administration terms TPAs use, with 2026 figures.
Open →TPA software buyer's checklist
Forty questions an independent TPA can put to any software vendor, grouped by the work they affect, with what a strong answer looks like.
Open →FORM 5500 FILING
Direct EFAST2 Electronic Filing for Form 5500
Skip the export-and-upload step. KinetiPlan generates Form 5500 and the schedules a plan needs, flags validation anomalies before anything is sent, routes the filing to the plan sponsor for electronic signature, and transmits it directly to EFAST2 once your team approves.
- GenerateCore Form 5500 and required schedules, such as A, SB or H, built from plan, census, ledger and testing records.
- ValidateAnomalies tracked and resolved on the filing before review.
- ApprovePreparer review and peer review act as explicit approval gates.
- SignElectronic signature routing to the plan sponsor or administrator.
- TransmitSent directly to EFAST2, with status tracked on the plan year's project.
LIVE CAPACITY SIMULATOR
See what your own numbers say.
Move the sliders to match your practice. The simulator shows how many staff hours, how much labor capacity and how many additional plans your current team could absorb if the manual parts of plan administration took less time. Every result comes from the assumptions you enter. Nothing is sent anywhere.
Your current setup
Practice size:
Estimated net annual savings
$0+0% ROI
Hours saved a year0
Capacity gain (staff)0
Software cost$0
Current vs released capacityManual Released
Labor capacity value a year$0
More plans, same team0
Hours released in Jan to Apr0
Monthly workloadToday With the change
Total hours a year: 0 today, 0 with the change.
Where the hours come from
Your numbers are saved on this device only, so they will be here when you come back.
Illustrative only. The monthly view spreads your Jan to Apr share evenly over those four months and the rest over the other eight. Results are not a quote, a guarantee or a measured KinetiPlan outcome. See the operations ROI estimator for a per-batch view.
TPA COMPLIANCE SANDBOX
Run a quick compliance check right here.
Screen an ADP or ACP result, or check one participant's annual additions against Section 415(c), without leaving the page. These are preliminary screens on averages and entered amounts, not certified tests.
Sandbox
ADP nondiscrimination test
Current status✓ Passed
0%
HCE average as a share of the modeled limitMaximum HCE allowed5.00%
NHCE averageHCE averageModeled limit
Headroom+0.00 pts
Test typeADP (deferrals)
Action neededNone
Test focus
Limit modeled as the greater of 1.25× the NHCE average, or the lesser of 2× the NHCE average and the NHCE average plus 2 points. Participant-level data, prior-year testing, permitted methods and safe harbor status can change results. Open the full ADP/ACP estimator →
Current status✓ Within limit
0%
Annual additions as a share of the limitMaximum annual additions$72,000
Headroom$0
Binding limitDollar limit
Action neededNone
Uses a $72,000 default dollar limit or 100% of entered compensation, whichever is lower. Confirm the limit for your plan year and what counts as an annual addition. Open the full 415(c) checker →
Your inputs are saved on this device only.
WHEN AN ADP TEST FAILS
See the corrective distribution calculated, step by step.
Move the sliders to fail or pass the test. The pipeline levels HCE deferral rates to find the excess, allocates it by dollar amount as the regulations require, then lines up approval and deadlines.
HCE deferrals (synthetic)
- 1Test
- 2Excess by rate
- 3Allocate by dollars
- 4Earnings and forms
- 5Approve and pay
Illustrative model with synthetic data, using the leveling method in Treas. Reg. §1.401(k)-2(b)(2). Real corrections also need allocable income calculated under the plan's method, catch-up recharacterization, any matching forfeitures and your plan document's terms. Corrections made by the end of the following plan year use the plan's own correction rules; after that, EPCRS applies. Not a certified testing engine.
LIVE CENSUS CHECK
Drop in a census file. See the problems in seconds.
Upload a synthetic or de-identified census CSV. KinetiPlan-style checks run right here in your browser, flagging format errors, missing or impossible dates and an early ADP warning. Your file never leaves this page: nothing is uploaded or stored.
Drop a CSV here or choose a fileColumns such as employee_id, dob, hire_date, term_date, compensation, deferral, hce, hours
census.csv
Rows checked0
Clean rows0
Warnings0
Errors0
ADP early warning
—
Needs hce and deferral columnsIssues by type
Rows to fix
| Row | Employee | Status | What to fix |
|---|
An illustrative screen, not a compliance test or a certified testing engine. Please don't upload real names or Social Security numbers. If an SSN-like column is found, it is ignored and never displayed.
INTERACTIVE PLANNING TOOLS
Put the numbers behind the workflow.
Explore interactive workflow tools for operational capacity, contribution reconciliation, employer matching, SECURE 2.0 credit scenarios, and census validation. They are designed for early planning—not as tax, legal, investment, or compliance advice.
Operations ROI estimator
Estimate potential staff hours and labor capacity released by reducing repetitive processing time.
Estimate workflow impact →Employer match estimator
Illustrate a two-tier employer matching formula using salary and deferral assumptions.
Explore a match example →Contribution reconciliation check
Compare source and posted totals and flag a variance for review.
Check a variance →SECURE 2.0 credit estimator
Explore preliminary small-employer startup, contribution and auto-enrollment credit scenarios.
Estimate credits →Eligibility & entry-date checker
Model potential eligibility and plan entry dates using service, age and entry-frequency assumptions.
Check eligibility timing →Section 415(c) limit checker
Compare entered annual additions against the applicable illustrative plan limit.
Check annual additions →ADP/ACP test estimator
Explore preliminary contribution-testing scenarios for HCE and NHCE averages.
Explore testing scenarios →Census validation demo
Validate a synthetic or de-identified CSV and download a simple exception report.
Run the census demo →Or model your whole practice in the live capacity simulator above →
All outputs are illustrative estimates based only on inputs entered by the visitor.
BUILT BY RETIREMENT INDUSTRY VETERANS
Designed by people who have run TPA operations.
While Software Home engineered the platform, KinetiPlan's workflows were designed by professionals with 18+ years of experience in TPA administration, recordkeeping and compliance automation. Every screen starts from how plan work actually moves: census to testing, payroll file to ledger, deadline to filing.
Software Home builds dedicated teams for financial and retirement-industry clients. Its 401(k) and TPA work includes record-keeping solutions, revenue management automation for 401(k) service providers and complex financial applications for US administrators.
18+years in TPA administration, recordkeeping and compliance automation
401(k)TPA and record-keeping solutions as a core service line
- 401(k), TPA and record-keeping solutions are a core service line
- Dedicated teams of developers, UI/UX, QA, business analysis and support
- Agile delivery with short iterations and long-term technical support
- Based in Narayanganj, Bangladesh, working with US clients
What Software Home brings to KinetiPlan
Hands-on 401(k) and TPA domain work: record-keeping solutions, revenue management automation for 401(k) service providers and complex financial applications for US administrators.
A full delivery team behind the product: developers, UI/UX, QA, business analysis and technical support, working in short, visible iterations.
Read client feedback on Software Home's development work at software-home.net.
START WITH ONE WORKFLOW
Let’s define a credible first step.
Discuss your TPA model, current technology stack, integration needs, and what a measurable pilot would need to prove.